Pretty much, yes and it’s completely up to you.
Zirtue lets you borrow or lend money with people you already know, like friends or family. We strongly recommend sticking to people you trust and who are actually willing to help as this is that’s what Zirtue was built for.
When you start a loan, you’ll just need the lender's email address and phone number to connect the loan. We’ll verify everyone’s identity before they can use the platform, so both sides stay protected.
At the end of the day, it’s your call who you lend to or borrow from. Zirtue just acts as the digital promissory note which keeping things official, tracking payments, and making sure no one forgets the terms.
Bottom line: choose wisely, communicate clearly, and only lend what you’re okay parting with.